I agree with most of what others seem to be saying.
Car's aren't an investment. You'd likely take a hit if you just bought it new unless you got a hell of a deal. Even then, circumstances could give a hit (took a small one trading in my 18-month Ram that was technically 'in the black').
There's also the 'emotional investment'. You already have it, always wanted it, love it. Will trading it in, especially for something that just gets the job done, leave you with too much regret? Will you hate the new one? Your quality of life will likely degrade. It seems like something really minor but subjective things like that can take a toll.
$500/month would help, but unless you/your broker is amazing the difference likely won't be huge if it's just a couple of years. Paying off my debt is an example. Accelerating payments on a card from $100 more a month to $500 more a month decreases it by a month. Is that worth other things/enjoyment I could be putting it towards? Same question to your payment.
I say unless there's something specific about it stop doubting and just enjoy the car. Keep it long enough to pay it off and since you have something you enjoy hopefully keep it for 10+ years and use that as your investment consideration. If you don't like a car you're more likely to keep changing them. That's constant payments. You love this one, keep it 10 years plus, that's what, 5+ years without any payments. Or wiggle room if not married as mentioned and you get married and have to get a family car, won't need to sacrifice yours if you don't want to.
Car's aren't an investment. You'd likely take a hit if you just bought it new unless you got a hell of a deal. Even then, circumstances could give a hit (took a small one trading in my 18-month Ram that was technically 'in the black').
There's also the 'emotional investment'. You already have it, always wanted it, love it. Will trading it in, especially for something that just gets the job done, leave you with too much regret? Will you hate the new one? Your quality of life will likely degrade. It seems like something really minor but subjective things like that can take a toll.
$500/month would help, but unless you/your broker is amazing the difference likely won't be huge if it's just a couple of years. Paying off my debt is an example. Accelerating payments on a card from $100 more a month to $500 more a month decreases it by a month. Is that worth other things/enjoyment I could be putting it towards? Same question to your payment.
I say unless there's something specific about it stop doubting and just enjoy the car. Keep it long enough to pay it off and since you have something you enjoy hopefully keep it for 10+ years and use that as your investment consideration. If you don't like a car you're more likely to keep changing them. That's constant payments. You love this one, keep it 10 years plus, that's what, 5+ years without any payments. Or wiggle room if not married as mentioned and you get married and have to get a family car, won't need to sacrifice yours if you don't want to.